Unfortunately, some drivers ignore the law and drive without insurance. Others carry only the minimum required, and that may not be enough to pay for damage or to cover the costs of injuries to you or your passengers. You may also need protection if the other driver is at fault but their insurance company refuses to pay your legitimate claim.

If another driver is uninsured or underinsured, their policy may not cover rising medical costs. You may have health insurance to cover your own medical costs, but a passenger riding in your car may not. The uninsured or underinsured coverage will provide basic care for them.